| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYERS-STEVENS & TOOHEY CO INC3 Filed as: MYERS STEVENS & TOOHEY & CO INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $86K | $86K | 1.76% |
| MYERS-STEVENS & TOOHEY CO INC3 | 26101 MARGUERITE PARKWAY MISSION VIEJO, CA 92692 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $14K | $28K | 17.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBT HEALTH PLAN EIN 68-6068469 RELATED PLAN | Employee (plan); Direct payment from the plan Service code 30 | — | $1.0M |
| MYERS-STEVENS TOOHEY AND CO INC EIN 95-2637676 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $473K |
| WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $270K |
| THE SEGAL COMPANY EIN 94-1050399 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $123K |
| IOS STAFFING SERVICES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 51 MADISON AVE. 5TH FLOOR NEW YORK, NY 10022 | $111K |
| BENESYS EIN 38-2383170 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $103K |
| WITHUMSMITH+BROWN PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $80K |
| UBS EIN 13-2638166 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment advisory (plan) Service code 19 | — | $41K |
| JAMS, INC EIN 23-7077256 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| SHAW LAW GROUP EIN 81-3216368 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $5K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 20,412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 25,594 | $4.9M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,059 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,594 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.